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We at the MarketWatch Guides team have thoroughly reviewed Zurich on factors like cost and coverage. Read on to learn about Zurich vehicle service contracts and see how they compare to the best extended car warranty companies.
- Most Comprehensive Coverage
- Mileage Covered: Up to 200,000 miles
- Longest Warranty Term: Up to 8 years
- Money-Back Guarantee: Up to 30 Days
- Coverage Options: 6 different plans to choose from
- Discounts: $300 same-day signup discount, $250 shopping voucher, and others
| Plan coverage includes | Endurance Elite perks™ |
|---|---|
| Exclusionary plan | One-year membership for free |
| Powertrain plan | Tire repair and replacement |
| Maintainance coverage with Endurance Advantage | Key fob replacement |
| Roadside assistance | Total loss protection |
| Towing | Collision discount |
| Rental car | $250 rewards voucher |
| Trip interruption coverage | Endurance Protect app |
Zurich Auto Warranty Review
Overall, we rate Zurich 4 out of 5 — it has a strong reputation and coverage selection but earns lower scores in our customer experience and transparency categories. Below, you can see how our team rated Zurich in specific categories to form our overall rating.
| Category | Rating |
|---|---|
| Overall Rating | 4 |
| Reputation | 4 |
| Coverage | 4 |
| Cost* | 4 |
| Transparency | 4 |
| Customer Experience | 4 |
Is a Zurich Warranty Worth It?
A vehicle protection plan from Zurich can be worth the money if you want to own your car beyond the factory warranty and appreciate peace of mind that some repairs are covered. Our review shows Zurich has a strong industry reputation. Compare quotes from Zurich with other companies to find the best deal.
Pros and Cons of a Zurich Auto Warranty
When considering Zurich as your warranty provider, here are some of the pros and cons to consider:
Pros
Excellent ratings with the Better Business Bureaul
Includes perks like roadside assistance, rental car reimbursement and trip interruption coverageob
Supplemental coverages and gap insurance available
Cons
Only three levels of coverage
Zurich Warranty Customer Reviews and Ratings
Zurich has a high rating from the BBB itself, but a low score from customers on the platform. The BBB gives Zurich an A+ rating, meaning it shows a commitment to answering customer complaints and addressing any concerns. However, the company receives a lower score from customer ratings on the platform. Out of almost 120 customer reviews, the average rating is 1.2 stars out of 5. Positive customer reviews cite excellent coverage, while negative customer reviews mention difficult, lengthy claims processes and poor customer service.
Zurich Warranty Coverage
Zurich offers three levels of extended auto warranty coverage: Powertrain, Standard and Comprehensive. These plans are available for standard vehicles and electric vehicles. For EVs, the plans cover electric drive components in place of powertrain parts in an internal combustion engine vehicle. The company also offers add-on coverages to protect other parts of your car. See an overview of Zurich auto warranties below.
Zurich Auto Warranty Plans
Here’s a breakdown of Zurich’s three available extended warranty plans:
| Zurich Warranty Plan | What It Covers |
|---|---|
| Comprehensive coverage | The comprehensive plan is a bumper-to-bumper warranty, which means it covers all vehicle components except for a small list of exclusions. |
| Standard coverage | This plan’s covered repairs include: – Engine – Transfer case – Drive axle – Steering – Brakes – Heating and cooling system – Suspension – Electrical |
| Powertrain coverage | Zurich’s powertrain plan covers repairs to your car’s essential drivetrain components: – Engine – Transfer case – Transmission – Drive axle |
The plans’ coverage terms are not listed online, as this information is only available through dealerships. However, when we reached out to a dealer about comprehensive coverage for a 2017 Chevrolet Silverado, the representative said the term length was 5 years/60,000 miles. That said, reviewers on Reddit have reported getting plans up to 10 years/100,000 miles.
In addition to its standard vehicle service contracts, Zurich offers warranties that provide coverage for other scenarios.
Zurich Shield Advanced Environmental Protection
The Zurich Shield Advanced Environmental Protection pays for damages that most factory and extended warranties don’t, like damage due to bird waste, weather fading and acid rain. This warranty provides coverage for the vehicle’s interior and exterior, like its paint, fabric, vinyl and leather surfaces.
Zurich Road Hazard Tire and Wheel
If your tires or wheels incur damage from a road hazard like a pothole or debris, this plan covers the repair or replacement costs. It also covers the cost of mounting and balancing wheels.
Zurich Prepaid Maintenance
Keeping up with routine maintenance is the best way to prevent high repair costs in the future. With this plan, you’ll prepay for recurring expenses like oil changes. This can save you money over time if costs rise, and it keeps you compliant with the maintenance schedule in your owner’s manual.
Other protection plans from Zurich include:
- Paintless dent repair: Zurich’s paintless dent repair package provides seamless fixes to exterior cosmetic damages. This plan has no deductibles and is available for both new and used cars.
- Theft deterrent: This package provides assistance recovery in the event of theft, as well as warning labels through Universal Security Guard.
- Guaranteed asset protection: Gap coverage helps cover the difference between your car’s value and your loan or lease’s remaining balance in the event of a total loss.
Zurich Extended Warranty Benefits
A Zurich auto warranty offers perks with all of its coverage plans. These perks include:
- Emergency roadside assistance: This perk covers towing, lockout service, fuel delivery, battery jump-starts and flat-tire changes.
- Rental car reimbursement: When your vehicle is in the shop for covered repairs and you need transportation, Zurich pays for a rental car up to a daily maximum.
- Trip interruption coverage: If you experience a mechanical breakdown at least 100 miles from home, Zurich will reimburse you for food and lodging for up to three days while the repair facility fixes your vehicle.
- Flexibility: Unlike manufacturers’ warranties that only cover repairs from a certified dealership, Zurich covers repairs from any mechanic certified by the National Institute for Automotive Service Excellence.
- Fully transferable plans: Should you sell your used vehicle, you can transfer the warranty to the next owner.
Zurich Extended Warranty Exclusions
Every extended auto warranty comes with its share of exclusions, which are items the carrier doesn’t cover. Below are some of Zurich’s exclusions:
- Wear-and-tear parts like batteries, tires (unless under a plan), spark plugs and wiper blades
- Any parts that are not factory-installed
- Repairs due to rust, rattles, squeaks or air/water leaks
- Damage from misuse or lack of maintenance
- Regular maintenance services
- Cosmetic parts like trim and upholstery
Make sure to read the fine print of your protection plan, as it will outline all exclusions that apply to your policy.
Zurich Extended Warranty Cost
The one downside to Zurich is that you have to visit a dealership that sells Zurich warranty plans to get one. In other words, you’re only likely to get Zurich if your dealer already offers the plans. This means you can’t get a quick quote online.
The level of coverage you want, your deductible choice and your vehicle’s make, model and mileage all influence warranty costs. Based on our team’s research, extended auto warranties cost about $1,297 per year of coverage. This means a three-year plan could cost about $3,891.
We also surveyed 1,000 car warranty customers in 2025. The majority (55%) paid between $1,000 and $2,500 for their plan, while 30% paid over $2,500. You can compare quotes you receive to these figures as you shop around.
Did You Know? Auto manufacturers offer protection against mechanical breakdowns through extended car warranties. While similar coverage from third parties is available, this coverage is technically considered a vehicle service contract. Many consumers and third-party companies commonly use these terms interchangeably, so we’ve done the same in this article.
Zurich Extended Auto Warranty: FAQ
Below are frequently asked questions about Zurich’s extended auto warranty.
Zurich is a reputable warranty provider that offers three strong coverage options, which include perks like roadside assistance, trip interruption and rental car reimbursement benefits. The downside is that Zurich plans must be purchased from a dealership.
Zurich’s comprehensive warranty covers a vehicle’s engine, drive axle, transmission, heating and air conditioning, emissions system, interior and exterior components, convenience and tech parts, brakes, steering and more.
Yes, you can transfer your Zurich auto warranty to the next owner if you choose to sell your vehicle.
You can use any licensed repair facility or dealership with Zurich’s car warranty. All repairs must be authorized by Zurich before any work can be done.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best extended car warranty companies. We collected data on dozens of auto warranty providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the companies that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for warranty coverage, long contract terms and added benefits are more likely to meet consumer needs.
- Cost (30% of total score): Auto warranty companies with affordable rates and multiple deductibles scored highest in this category.
- Transparency (20% of total score): This score is based on contract transparency and the availability of a money-back guarantee.
- Reputation (10% of total score): Our research team considers availability, ratings from industry experts and years in business when conferring this score.
- Customer experience (10% of total score): Based on customer satisfaction ratings and our extensive shopper analysis, we consider the responsiveness, friendliness and helpfulness of each warranty company’s customer service team.
Our credentials:
- 500+ hours researched
- 40+ companies reviewed
- 2,000+ consumers surveyed
How we obtained cost information:
- Our research team used a secret shopper strategy to get accurate quotes
- The research team will find out if there are any discounts or savings opportunities
- We keep track of the length of the call, sample contracts, and overall helpfulness of the representative
*Data accurate at time of publication.